A couple months ago, I was working on our finances, and I was using a notepad that was supplied by my wife's employer. Her employer likes to send out notepads and calendars with inspirational topics and tips. Each month or each pad has a different topic. This particular notepad had a financial theme and every once in a while you will stumble upon a page with tips. This particular page of tips was talking about strategies to save money at the grocery store. One statement stuck out to me, because I have recently been questioning buying in bulk. The below statement got me thinking:
Well, April is in the books and I am smack dab in the middle of baseball season. This mean late nights and less time with my family. However, I truly love baseball season. I really enjoy the smell of the grass, the time outdoors and coaching up kids to play the great American pastime.
A couple of months ago, I was talking with one of my relatives about retirement. During this discussion the topic of a pension came up and our conversation sounded something like this:
Me - "I hate my pension, because I have to put in 7.7% of my income into my pension."
My Relative - "At least you have a pension. I wish I had a pension."
The conversation didn't go much farther, but this conversation made me wonder. Do people really still believe in pensions? I feel like throwing my money in a pension is a waste and I wish I could choose to deny those contributions.
Growing up in Nebraska, I remember celebrating Arbor Day every year while I was in school. It was a big celebration in my state and school, because Arbor Day was first celebrated in Nebraska. I have lived in Texas for over 8 years and Arbor Day is not a big deal in the state and even the schools. Therefore, I decided to take a break from my originally scheduled articles on finances and discuss ways to celebrate a holiday that gives back to the environment!
A couple years ago, my employer began offering a FSA (Flexible Spending Arrangements) for healthcare expenses. Once they began offering this product, I had to do some research to decide whether it would be a good deal. I initially couldn't decide, because I didn't want money just sitting around not growing!While researching the FSA, I stumbled upon the HSA (Health Savings Account). I discovered that the HSA is a much better product. Despite this discovery, I still found that investing in a FSA was worth it for the Summit of Coin family (that may change toward the end of 2018).
Just like that, we are one fourth of the way through 2018! Once again, we made really good progress in the spending realm and came up spending the least amount of money this year! This makes us pretty happy in the Summit of Coin household! We even took a little trip to the Laredo to visit my wife's grandmother. This trip was great for our family as got a chance to relax and I even found the time to play a round of golf. We were also helped out with a decrease in our childcare bill, because I had spring break. Our daycare charges half price, if you don't take your child during the week. Therefore, we saved a little money!
In the future, we plan on sending our daughter to college. And like most parents, we worry about the cost of college and how we will pay for it. Well some stats on college tuition found my inbox and I thought that the information in the article was so important that I had to write an article about the rising tuition costs.
For a while now, I have been meaning to update my recommendation page And when I say "for a while," I mean 6 months or more. I found another blogger, who used an article to share their recommendations as a blog post. I thought, "What a great idea!" So, here it goes! All of the things that I recommend as great resources for my readers.
The other day I was doing some light reading, by catching up on articles from other bloggers around the internet. During this website trip, I stumbled upon a great article from Chris at Keep Thrifty (Save Even More By Cutting the Other Cord - Your Antenna). It was a great article that made me question everything that I think about in terms of television.